That just credit cards ([edit] From your own source, roughly 85% French had debit cards[3]). According to statista[1], France has ~50% credit card penetration,

That just credit cards ([edit] From your own source, roughly 85% French had debit cards[3]). According to statista[1], France has ~50% credit card penetration, but roughly ~100% have debit cards. Also, digital buyer penetration was <63% in 2017 and is 78% now[2]. [1]https://www.statista.com/statistics/1098129/credit-cards-and-debit-cards-per-capita-in-france/ https://www.statista.com/statistics/1098129/credit-cards-and... [2]https://www.statista.com/forecasts/891312/digital-buyer-penetration-in-france https://www.statista.com/forecasts/891312/digital-buyer-pene... [3]https://www.theglobaleconomy.com/rankings/people_with_debit_cards/ https://www.theglobaleconomy.com/rankings/people_with_debit_...